Privacy Policy
Last updated: January 2026
1. Introduction
PayMeBack AI ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our bill-splitting and payment reminder service.
2. Information We Collect
2.1 Information You Provide
- Account Information: Name, email address, phone number, and password when you create an account.
- Bill and Receipt Data: Photos of receipts, bills, and expense documents you upload for processing.
- Contact Information: Names, email addresses, and phone numbers of people you add as contacts for payment reminders.
- Payment Information: Transaction amounts and payment statuses associated with your bills.
2.2 Information Collected Automatically
- Device information and browser type
- IP address and general location data
- Usage patterns and feature interactions
- Push notification tokens for browser notifications
3. How We Use Your Information
We use the collected information to:
- Process and analyze uploaded receipts and bills using AI
- Send payment reminders via email, SMS, and voice calls on your behalf
- Manage your account and provide customer support
- Send service-related notifications and updates
- Improve our AI algorithms and service quality
- Detect and prevent fraud or abuse
4. AI-Powered Communications
Our service uses AI agents to send payment reminders to your contacts. When you initiate a payment reminder:
- Email Agent: Sends automated email reminders from our system on your behalf.
- Text Agent: Sends SMS messages to contacts using our messaging infrastructure.
- Phone Agent: Makes AI-powered voice calls to contacts with pre-approved reminder scripts.
All communications clearly identify that they are sent through PayMeBack AI on your behalf.
5. Data Sharing and Disclosure
We may share your information with:
- Service Providers: Third-party vendors who assist with email delivery, SMS messaging, voice calls, cloud hosting, and analytics.
- Your Contacts: We share necessary information (your name and the amount owed) with people you send payment reminders to.
- Legal Requirements: When required by law, subpoena, or to protect our rights and safety.
We do not sell your personal information to third parties.
6. Data Security
We implement industry-standard security measures to protect your data:
- Encryption in transit (TLS/SSL) and at rest
- Secure authentication via Firebase Authentication
- Regular security audits and monitoring
- Access controls and employee training
7. Data Retention
We retain your data for as long as your account is active or as needed to provide services. You may request deletion of your account and associated data at any time. Some data may be retained for legal compliance purposes.
8. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access and receive a copy of your personal data
- Correct inaccurate personal data
- Request deletion of your personal data
- Object to or restrict processing of your data
- Data portability
- Withdraw consent at any time
9. Children's Privacy
Our service is not intended for children under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
10. International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.
11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.
12. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us through our support channels available in the app.